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Malaa | ملاءة

Malaa | ملاءة

Investments, loans, and more

372 ratings
34 reviews
📊 Productivity
💰 Finance
Free

Details

Released
April 28, 2021
Updated
October 27, 2026

Features

Developer

Mala'a For Information Technology Company
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About

This financial app helps you track spending, save money, and grow your wealth through investments. It securely links your bank accounts, categorizes transactions, and offers personalized investment portfolios managed by experts. It is regulated and Shariah compliant, with low management fees.

✓Track all bank accounts in one place
✓Automatic transaction categorization
✓Budget creation and tracking
✓Personalized investment portfolios
✓Shariah compliant investments
✓Automatic Zakat calculation and payment
✓Low annual management fee
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What users say about Malaa | ملاءة

Reviews of Malaa | ملاءة are mixed: the Finance app is rated 4.6/5 from 372 App Store ratings. What users like most: excellent app for tracking spending, great for saving and investment. Top complaints: low profits/returns mentioned by some users, high minimum deposit requirement. Summarized from real user reviews.

Positive things

  • 👍Excellent app for tracking spending
  • 👍Great for saving and investment
  • 👍User-friendly interface
  • 👍Good customer service
  • 👍Low administrative fees
  • 👍Facilitates Zakat payment
  • 👍Helps build saving culture
  • 👍Offers cashback wallet with good returns
  • 👍Easy to use and navigate
  • 👍Good for long-term investment goals
  • 👍Quick registration and wallet setup
  • 👍Good investment portfolio performance
  • 👍Responsive to suggestions
  • 👍Innovative features like Zakat payment
  • 👍Good for users wanting to avoid suspicious financial instruments

Negative things

  • 👎Low profits/returns mentioned by some users
  • 👎High minimum deposit requirement
  • 👎Investment losses reported by some users
  • 👎Lack of US investment funds for long-term goals
  • 👎Unclear and strange withdrawal fees
  • 👎Discrepancy between sell price and wallet balance
  • 👎App not working after update, unable to access funds
  • 👎Issues with linking bank accounts (Alinma, others)
  • 👎Support takes days to respond
  • 👎Investment diversification and strategy concerns
  • 👎App only supports specific banks, long waiting times for others
  • 👎Investment UI is great, but spend analysis fails to load
  • 👎Visa card not readable for 10 months
  • 👎Payment issues with STC Pay not supported
  • 👎Manual seller name entry slows down expense logging
  • 👎No option to import expenses from other apps
  • 👎Inability to create multiple spending wallets
  • 👎Night mode not automatic
See all reviews

What's New in Malaa | ملاءة

5.6.0

October 27, 2026

We release updates frequently and are constantly improving the app to make it better for you to manage your finances. We rely on your feedback to continuously and iteratively develop the app. Reach us through in-app chat or through social media. We’re happy to chat

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User reviews

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تطبيق سي كل شي يعلق مافيه شي واضح

سي
ناناصر العتيبي٥

شكرا ملاءة

كملت سنة مع ملاءة وتجربة ممتازة من كل النواحي التطبيق سريع وكل شيء مفهوم وواضح وسهل الايداع والتحديثات وتتبع الى الان ما احتجت خدمة العملاء، لكن واثقه بعد السنة ذي انهم فريق احترافي واخلاقي والتطبيق يناسب اسلوب الحياة واستثمار مستقبلي آمن
RRotanam

تطبيق ممتاز لكن ينقصه شيء

‏أنا جربت التطبيق عندهم محفظة الكاش باك ممتازه جدا فيها أرباح تنفع للاستثمار قصير الأجل. تجربتي كانت إيجابية جدا. لكن لم اجد صناديق استثمار أمريكية !!! ‏صناديق الاستثمار الأمريكية تنفع للأشخاص الي مثل حالتي يبون يستثمرون لمدة 15 سنة للشراء منزل العمر. أرجوكم ضعو صناديق استثمار اميركية حيث انه لايوجد خيار للاستثمار طويل الأجل الا في صناديق محلية .
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MM62666

Response from developer

أهلًا عزيزنا، توجد صناديق للأسهم الأمريكية في جميع محافظنا الأساسية، وتترواح نسبها من 14.4% إلى 50% حسب كل محفظة. تقدر تعرف توزيع كل محفظة من الحاسبة أو من داخل المحفظة بعد فتحها. ولو احتجت أي مساعدة، ففريقنا بخدمتك على مدار الساعة في المحادثة داخل التطبيق. -وائل

اول كتن منتاز جدا

اقل بسبب الارباح
👍ر👍👍👍برامج رائع

Response from developer

أهلًا عزيزنا، أداء محفظة الكاش باك يعتمد على سعر الفائدة حيث تتبع المحفظة أسعار السايبور، كل ما انخفضت أسعار الفائدة انخفض العائد بالمحفظة والعكس صحيح، برغم ذلك فنحن نسعى داخليًا لرفعها خلال الفترة القادمة بإذن الله. أيضًا فتذبذب المحافظ جزء طبيعي من رحلة الاستثمار، استمر باستثمارك وستكافئك الأسواق بصعودها. ولأي مساعدة فنحن بخدمتك بمحادثة التطبيق على مدار الساعة، آملين أن نحصل على تقييمك الكامل بعد اتضاح الصورة -وائل

رائع

تعامل راقي ومعاملات مالية ناجحة
DDreamless2

Response from developer

شكرًا على مراجعتك وتقييمك الكريم عزيزنا، ونتمنى لك تجربة مرضية دائمًا -وائل

See 29 more reviews

User experience

🐞

Reported Bugs

8 issues

App not working after last update, unable to access funds

Bug

Unable to link bank accounts (Alinma and others)

Bug

Support page not opening

Bug

Spend analysis screen fails to load

Bug

Visa card not readable

Bug

Withdrawal fees are unclear and strange

Bug

Discrepancy between sell price and wallet balance

Bug

App only supports specific banks, long waiting times for others

Bug
✨

Requested Features

11 requests

Add US investment funds for long-term investment

Feature

Add Widget for portfolio tracking

Feature

Make seller name optional

Feature

Allow customization of the home page (e.g., add budgets, remove recent expenses)

Feature

Support STC Pay for faster transactions

Feature

Add a widget for quick expense logging

Feature

Add more colors and change the app's style

Feature

Add automatic night mode based on device settings

Feature

Allow importing expenses from other apps

Feature

Enable creation of multiple spending wallets (general, games, travel)

Feature

Add investment portfolios for dividends

Feature

FAQ

Is Malaa safe to use for my financial data?

Yes, Malaa is regulated under Saudi Central Bank's guidelines and Saudi Capital Market Authority. Your financial data is encrypted, and its integration with your bank is compliant with open banking guidelines.

What are the fees associated with Malaa investments?

Malaa offers the lowest annual management fee in Saudi Arabia at 0.35%. There are no other explicit management fees mentioned, but some users have reported unclear withdrawal fees.

How can I start investing with Malaa?

You can start investing with an initial deposit as low as 1000 SAR. Subsequent deposits can be as low as 50 SAR. Deposits can be made via Mada, Visa, Mastercard, Apple Pay, or bank transfer.

Does Malaa offer investment diversification?

Malaa's algorithm creates a personalized investment portfolio based on your risk tolerance and financial goals. However, some users have expressed concerns about investment diversification and strategy.

How often is Malaa updated?

The latest version of Malaa is 5.6.0, and it was last updated on October 27, 2026. This indicates a history of regular updates, though the specific frequency is not detailed.

What devices does Malaa support?

Based on the provided data, Malaa currently supports iPhones. Information regarding Android or other device compatibility is not available.

What do users like most about Malaa?

Users frequently praise Malaa for its excellent spending tracking, user-friendly interface, and its effectiveness in saving and investment. The app is also appreciated for facilitating Zakat payment and helping to build a saving culture.

What are some common complaints about Malaa?

Some users have reported issues with low profits or investment losses, high minimum deposit requirements, and unclear withdrawal fees. Other concerns include app malfunctions after updates and difficulties linking certain bank accounts.